AJ Wolbrum was always the poor little rich girl growing up in Manhattan. In this episode, she shares the missteps and triumphs in her money journey. AJ traveled the world but couldn’t hide from her debts. Now, as a Financial Freedom Coach and the founder of Beyond The Green Coaching. AJ uses a unique method of personal development and strategic financial planning to help clients understand their finances and change their relationship with money.
In this episode, we talk about the tough decisions made in the C-Suite including furloughs, promotions, change management and more. Kelsey Habich is the Chief People Officer managing talent acquisition, human resources, talent management, employee branding, employee programs & initiatives & executive leadership for a technology company in the commercial & government sector.
GUEST: OLIVIA FRIEL
Olivia Friel is a mama, birth and postpartum doula, and a holistic pregnancy consultant. She is the founder of Healthy Balanced Birth, a platform for expectant mothers, partners, new parents, and birth professionals. She provides her clients with information about pregnancy, birth, postpartum, and parenthood that is specifically catered to their individual needs. She is also the voice behind the Healthy Balanced Birth and Beyond Podcast – a safe space dedicated to sharing stories and resources about everything within the birth space, specifically topics that are not talked about enough.
Note: These numbers are averages as of August 2020 and vary by state and hospital.
Having a baby in Massachusetts on averages costs:
Vaginal birth with insurance: $7,741.64
Vaginal birth without insurance: $14,549.03
C-section with insurance: $11,012.54
C-section without insurance: $19,879.60
Hospitals generally charge more! On average, hospitals charge $15,000 for vaginal delivery and $30,000 for a c-section!
Home births range from $1,500 to $3,000 paid directly to the midwife.
On average, other expenses including supplies, labs and doula can add on an additional $2,000. An epidural costs on average $2,100.
Prenatal Testing such as ultasounds cost on average $280. CVS testing for abnormalities and chorionic villus sampling can cost $1,300 to $4,800. For high risk pregnancies, amniocentesis can cost $1,000 to $7,200.
It’s amazing what $5 can turn into! $5 per day earning 10% annual interest equals $1,885 after 1 year. $11,616 after 5 years. $30,727 after 10 years. $339,073 after 30 years. $948,611 after 40 years! Compound interest is amazing and this book is filled with tons of great advice for twenty somethings to achieve financial independence. We recommend this book to anyone who wants to see how small changes can make big impacts to your finances.